33. OTHER OVERHEAD EXPENSES Group Bank 2022 RM’000 2021 RM’000 2022 RM’000 2021 RM’000 Promotion Credit and debit card expenses 56,674 48,642 56,674 48,642 Advertisement and publicity 14,952 20,290 14,819 16,061 Others 12,850 16,680 7,875 7,314 84,476 85,612 79,368 72,017 Establishment Depreciation of property and equipment 59,785 59,225 58,928 58,803 Amortisation of intangible assets 1,024 – 1,024 – Depreciation of right-of-use assets 17,198 18,197 16,726 18,042 Office rental 28,288 29,215 28,196 29,186 Information technology expenses 82,668 72,490 82,668 72,490 Security services 9,211 8,877 9,211 8,877 Utilities 11,063 11,170 10,806 11,036 Office maintenance 10,403 10,216 9,994 9,973 Takaful 12,403 7,261 12,341 6,379 Rental of equipment 6,626 5,950 6,322 5,826 Others 320 320 320 320 238,989 222,921 236,536 220,932 General expenses Outsourcing fees – Management of self-service terminal 11,350 8,564 11,350 8,564 – Credit recovery – – 6,209 7,318 – Others 4,116 4,109 4,116 4,109 Office supplies 7,657 8,333 7,582 8,239 Licenses 2,101 1,852 1,889 1,852 Bank and service charges 10,179 8,240 10,163 8,207 General expenses 28,686 30,814 28,686 30,814 Security services for cash in transit 4,606 4,915 4,606 4,915 Postage and delivery charges 12,347 11,678 12,270 11,545 Management fees – – 13,908 6,839 Subscription fees 12,482 12,633 12,480 12,630 SMS service charges 17,805 19,647 17,805 19,647 Professional fees 14,305 15,267 13,551 13,396 Mobile banking expenses 1,667 1,923 1,667 1,923 Auditors’ remuneration – Statutory audit 1,664 1,550 1,489 1,324 – Regulatory related 282 263 282 263 – Non-audit 438 345 438 345 Processing charges 2,033 1,030 2,033 1,030 Property and equipment written-off 769 619 482 619 Others 27,515 21,607 16,356 12,534 160,002 153,389 167,362 156,113 483,467 461,922 483,266 449,062 Notes to the financial statements for the financial year ended 31 December 2022 Integrated Report 2022 318
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